XRP remains a hot topic in the crypto space, and recent discussions suggest that even a dramatic rally to $3,000 would enrich only a small group of holders. This insight was shared by the analyst behind the 24hrsCrypto YouTube channel, who broke down XRP wallet distribution to explain why most investors won’t see substantial gains—even if price predictions come true.

Most XRP Wallets Hold Very Small Balances

Speculation about XRP climbing to $100 or even $1,000 has faced growing skepticism. Critics point to the massive market capitalization such prices would require and the unrealistic expectation that millions of people could instantly become wealthy.

24hrsCrypto responded specifically to the latter claim. In a recent video discussion, he dissected how XRP is actually distributed among wallets. His analysis shows that the overwhelming majority of XRP holders own so little that a price surge would have minimal impact on their personal wealth.

Starting with the lowest tier, just over 3 million XRP wallets each hold between 0 and 20 tokens. On average, these wallets contain about 7 XRP, which he rounded to 8. At today’s rates, that’s less than $25 per wallet.

Most XRP wallets contain minimal holdings, often below $25 in value.

The next group includes 2.5 million wallets holding between 20 and 500 XRP, with an average of 83 tokens each—around $240 per wallet. Together with the lower tier, these account for roughly 5.6 million wallets. That’s about 81% of all known XRP holders, based on data from previous reports.

Wallets in the 20–500 XRP range hold modest sums, averaging around $240.

Even if XRP were to skyrocket to $1,000, these holdings would not translate into life-changing fortunes for most users. As 24hrsCrypto emphasized, the significance of these statistics is clear: most people own too little XRP to become millionaires overnight.

Over 80% of all XRP wallets fall in the 0–500 XRP bracket.

Wallet Count Doesn’t Equal Unique Owners

When analyzing wallets with large XRP balances—those between 1,000 and 5 million—the numbers appear more substantial. However, 24hrsCrypto clarified that many investors use multiple wallets to distribute their funds. For example, a single person might manage a 10,000 XRP wallet, a 25,000 XRP account, and another holding 50,000.

This means wallet tallies may highly overstate the number of unique individuals holding large amounts of XRP. Therefore, the segment of people who could stand to gain massive wealth from XRP reaching $3,000 is significantly smaller than the wallet count suggests.

Out of billions globally, only a limited faction actually controls enough XRP to experience game-changing financial returns. The vast majority hold between $25 and $240 in XRP—amounts unlikely to generate millions of dollars even in extreme market conditions.

Few Can Afford Large XRP Holdings

As 24hrsCrypto pointed out, acquiring 500 XRP today would require an investment of about $1,400. Clearly, this cost is out of reach for many retail investors. As a result, only a small percentage of holders possess substantial accumulations of XRP.

This affordability gap sets the stage for uneven distribution of future gains. If XRP hits projections as high as $1,000 or more, only a select few who invested heavily early on will reap large financial rewards.

XRP’s Long-Term Growth Potential

Despite the distribution imbalance, 24hrsCrypto remains optimistic about XRP’s price trajectory. He believes the token could eventually rise to $100, then potentially to $2,000 or even $3,000. Though controversial, he argues that time and math will vindicate his forecast.

Related: XRP Price: $12M Max Pain for Bears

Ultimately, his stance is clear: XRP’s ownership structure and wallet dynamics make the idea of widespread wealth gains unrealistic. While the token has impressive potential, only a minority of dedicated holders will likely benefit in a life-changing way.